FAQs

We've compiled answers to help you with some of the common questions asked by Members. You can view these questions by category below. If you are unable to find an answer to your question, please feel free to contact us and we will be glad to assist you.

Questions by Topic:

Checking

How do I order checks?

You can easily order checks whenever you need them by going to Harland Clarke's website. When your place an order, you'll have the option to chose your preferred style and any other needed products like checkbook registers. You can also order customized checking deposit slips if desired.

Debit Cards

My debit card expires at the end of this month, when will I receive my new one?

Debit cards are reissued at the beginning of the month that the current card expires. You should receive your card around the middle of the month, approximately 7-10 business days after they're ordered.

I haven't received a card with an EMV chip, when will I get one?

Our EMV debit cards will be released in early to mid 2016. You will receive a new EMV card when your current debit card expires.

I forgot my PIN number, how do I change it?

You can change your PIN number by calling 1.800.567.3451 anytime.

Why is there a spending limit on my debit card?

Spending limits are a tool used to reduce potential loss from fraud activity. Should your card be lost, stolen, or card information compromised, the spending limit puts a "maximum" on the amount of funds criminals could use in one day. If you need to make a large purchase using your debit card, just let us know prior to using your card and we may be able to temporarily raise the limit.

If I am traveling do I need to place a note on my debit card?

Yes, if you are traveling out of the United States. For travel to another city or state, you do not need to call ahead.

I want to make a purchase out of the country, do I need to notify the credit union?

Yes. Whether you are traveling abroad or making an international purchase online, please call our Member Service Center before using your card to make the transaction. This helps us continue our fraud prevention efforts, and allows us to verify that your card has not been compromised.

Online Payment Center

Loan Payments

Make your LSCU loan payment using another checking or savings account, debit card, or credit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment withinonline banking.

Please note: Payments made through the online payment center will post 1-3 business days after the payment is submitted. Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 800.588.6928.

LSCU Platinum Visa Credit Card Payments

Make a payment to your LSCU Credit Card by logging into online banking or yourOnline Visa Account. Credit Card payments cannot be made in the Online Payment Center.

Important Messages:

If you receive an error message stating "Accounts Unavailable" please log out and register again with a new user ID.

Effective 07/01/2017, we are no longer able to accept Visa Credit Cards in the Online Payment Center. VISA has changed their Card Acceptance Guidelines to exclude VISA CreditCards as a means of payment on a debt (loan). The changes to the guidelines only limit the use of VISA CreditCards for debt repayments and does not impact the use of VISA Debit Cards for debt repayment.

EMV Chip Technology

What are chip cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

When will I receive my chip card?

We have started rolling out chip cards to all of our cardholders, so there is no need to request one. You will receive your new card in the mail about 30 days before your current card expires. If you are planning to travel internationally or have an immediate need for a chip card, please give us a call or stop by any of our branches.

Can I still use my current card?

You can use your current card until you receive a chip card. At that time, you should activate the new chip card and start using it. You should destroy your old card by cutting it up into small pieces or shredding it.

Platinum Visa Credit Cardholders:Your current card will be deactivated 30 days after the new chip card is issued, even if you have not yet activated the new chip card.

Can I use my chip card anywhere?

Yes, your chip card can be used virtually anywhere MasterCard Debit Cards or Visa Credit Cards are accepted in the U.S. and around the world. To use your chip card:

1. Start the payment process by swiping your card, just as you do today. If the terminal is chip-enabled, you’ll be prompted to insert your card. Insert your card, face up and chip end into the chip-enabled terminal.2. Leave the card in the terminal during the entire transaction.3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete. Some terminals will make "beep-beep" sound when your card is ready to be removed.

What if the merchant (store) doesn't have a chip-enabled machine?

If a merchant isn’t using a chip-enabled terminal yet, you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

How do I use my chip card at an chip-enabled ATM?

Insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to reinsert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions. If the ATM is not chip-enabled, simply use your card as you would at any other ATM.

Does this affect online purchases also?

Making purchases online or by phone doesn’t change … just provide your card information as you have done in the past.

How does the chip technology work to prevent fraud?

When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.

Will chip cards prevent data breaches?

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Can cardholders be tracked with their EMV cards?

No. Chip cards contain no tracking information.

What information is on the chip?

The chip contains information about a cardholder’s account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

What happens if my chip card is lost or stolen?

You need to report a lost or stolen card promptly by calling the toll-free number listed on the back of your card or give us a call at 800.588.6928.

Replaced cards will be issued with new account numbers.

Don't forget you will need to update any automatic payments with your new numbers.

Credit Cards

How do I access my LSCU Platinum Visa card account?

Credit card account information is accessible through the LSCU Online Branch. Users can view their card balances, available credit amount, and recent transaction history. To enroll in online banking, just give our Member Service Center a call and they will be happy to assist you.

Do I have to enroll in online banking to access my Visa credit card account?

No, you can access your account through the Visa online account website. Enrolling in the Online Branch simply allows you to view your credit card information with your other LSCU accounts and eliminates the need for multiple logins.

How do I make a payment on my Platinum Visa card from my LSCU Checking?

First, you'll need to log in to your Online Branch. Next, you'll make a transfer from your LSCU Checking to your LSCU Platinum Visa. Once the transfer has been submitted your payment is complete. PLEASE NOTE: In order to make a transfer to a credit card that is not linked in your online branch, you will need to know the cardholders member number.

IMPORTANT:Making a payment to your credit card in the Online Branch will not cancel a recurring payment. If you have a recurring payment set-up through the Visa online account website, this will continue automatically unless you manually cancel it.

Can I set up a recurring payment to my credit card within the Online Branch?

Yes, you can make a payment on your credit card by setting up an automatic transfer from another LSCU account. Begin by selecting "Manage/View Transfer" and then clicking on the "add" option. In the set-up box, choose the "recurring" button option. Input your transfer information including account numbers, amount, transfer date, and end date (or click the "no end date" option). To ensure an on-time payment, you’ll want to set the transfer amount to be more than, or equal to, your minimum payment. Once the information is complete, select “OK”. Review your transfer to ensure the information is correct, and click on submit to set-up the recurring payment.

IMPORTANT:Making a payment to your credit card in the Online Branch will not cancel a recurring payment. If you have a recurring payment set-up through the Visa online account website, this will continue automatically unless you manually cancel it.

How do I cancel a recurring payment/transfer within the Online Branch?

You can cancel a recurring transfer in the Online Branch by selecting "Manage/View Transfers” under the "Make a Transfer" tab. To cancel altogether, click "delete" under the scheduled transfer you wish to end. To change your transfer amount or date, click "modify" and submit your changes

How do I make a payment on my credit card from an account at a different financial institution?

You will need to log in to the Visa online account website to make a payment from another financial institution. If you are enrolled in online banking, you can access the Visa online account website from within the Online Branch.

How do I set up automatic payments for my Visa card?

How do I cancel a recurring payment on the online Visa account website?

To cancel a recurring payment to your Platinum Visa, log in to the online Visa account website and select "Make a Payment” under the Bill Payment option. Under your recurring monthly payments, select view details on the payment you wish to cancel. Click on the cancel payment link and confirm to stop the payment from recurring. You can also modify your recurring payment but clicking on the change payment link.

Where can I find my monthly statement?

Online Branch users: To view your statement, click on the link to the online Visa account website in the online branch. Under “account information”, click on account history. You can view each statement by changing the statement date. Download a copy of your statement by clicking on “download this statement” at the bottom of the page.

Non-Online Branch users: To view your statement, log in to the online Visa account website. If you have not set up your online Visa account, you will need to enroll. Under “account information”, click on account history. You can view each statement by changing the statement date. Download a copy of your statement by clicking on “download this statement” at the bottom of the page.